Joined: 25 Jul 2005Posts: 5547Location: Columbia City
vaticdart wrote:
If I don't survive then I'd very much like my gf or whoever to get the $250K or whatever most auto insurance gives out for negligent deaths.
on that note, when you are under 30 is the cheapest time to lock in life insurance. We're talking under $20/mo for 250,000. Don't run the risk that the driver's insurance will cover it, or that they even have any.
gsbarnes
Posted: Thu Feb 28, 2008 2:58 pm
Joined: 15 Aug 2006Posts: 2666Location: No Fun Town, USA
When you come to the point in life where life insurance makes sense (hint: if you have no dependents, you haven't reached that point yet), might I suggest you learn about life insurance from a vaguely neutral source, such as Consumer Reports, as opposed, to, say, someone whose job it is to sell life insurance.
Last edited by gsbarnes on Thu Feb 28, 2008 3:12 pm; edited 1 time in total _________________ I have always thought in the back of my mind: Cheese and Onions
jeff
Posted: Thu Feb 28, 2008 3:08 pm
SOC pussyJoined: 05 May 2006Posts: 4501
langston wrote:
vaticdart wrote:
If I don't survive then I'd very much like my gf or whoever to get the $250K or whatever most auto insurance gives out for negligent deaths.
on that note, when you are under 30 is the cheapest time to lock in life insurance. We're talking under $20/mo for 250,000. Don't run the risk that the driver's insurance will cover it, or that they even have any.
If only I knew someone who sold life insurance. If there's anyone who knows, could they send them my way? I have a ton of money burning a whole in my pocket from the lucrative job I now hold.
SRSLY, I am a bajillionaire.
langston
Posted: Thu Feb 28, 2008 4:06 pm
Joined: 25 Jul 2005Posts: 5547Location: Columbia City
gsbarnes wrote:
When you come to the point in life where life insurance makes sense (hint: if you have no dependents, you haven't reached that point yet), might I suggest you learn about life insurance from a vaguely neutral source, such as Consumer Reports, as opposed, to, say, someone whose job it is to sell life insurance.
Like Consumer Reports is going to smoke you out when you get approved for a policy that secures your mortgage for when you get mowed down by a car... I'm sure Bryce's family wouldn't have had any problem with a six-digit check coming their way.
Srsly though, for what it's worth Life Insurance has a great ratio of return, usually better than most Mutual Funds. Get an Accidental Death rider and your coverage is doubled...
But what do I know, I'm just another brainless salesman.
Last edited by langston on Thu Feb 28, 2008 4:25 pm; edited 1 time in total
the dreaded ben
Posted: Thu Feb 28, 2008 4:20 pm
Grumpy GreebJoined: 20 Aug 2005Posts: 5329Location: flavor country
haha.
langston's brainless.
haha.
gsbarnes
Posted: Thu Feb 28, 2008 4:28 pm
Joined: 15 Aug 2006Posts: 2666Location: No Fun Town, USA
langston wrote:
Like Consumer Reports is going to smoke you out when you get approved for a policy to secure your mortgage incase you get mowed down by a car... I'm sure Bryce's family wouldn't have had any problem with a six-digit check coming there way.
Srsly though, for what it's worth Life Insurance has a great ratio of return, usually better than most Mutual Funds. But what do I know, I'm just another brainless salesman.
If you have a mortgage, paying it off when you die is only important if you have dependents. Otherwise, who cares (besides your bank)? And sure, a six-digit check is always nice, but, by the same logic, I should be playing the lottery every week, since a 7+-digit check would be even nicer.
What's life insurance for? So that when you die, no one you care about suffers financially as a side-effect. It could be used secondarily as an investment, but if you're interested in investing, again, you're better off reading about it yourself, or going to an investment counselor who can point you to a wide variety of investment tools, not an insurance salesman who only has one tool to choose from. Maybe the counselor or your research will lead you to choose life insurance as part of your portfolio, in which case, by all means, talk to Chris Langston.
And I'm not saying you're brainless. I'm saying you have an obvious vested interest in selling insurance, and are thus not a neutral party.
_________________ I have always thought in the back of my mind: Cheese and Onions
gsbarnes
Posted: Thu Feb 28, 2008 4:30 pm
Joined: 15 Aug 2006Posts: 2666Location: No Fun Town, USA
And apropros of little, what's the point in filtering capital-L angston to lowercase-l angston?
_________________ I have always thought in the back of my mind: Cheese and Onions
joby
Posted: Thu Feb 28, 2008 4:31 pm
goes to elevenJoined: 25 Jul 2005Posts: 3899Location: The Cloud
Tip:
Whole life is for suckers.
gsbarnes
Posted: Thu Feb 28, 2008 4:33 pm
Joined: 15 Aug 2006Posts: 2666Location: No Fun Town, USA
I like 3/4 life, myself.
_________________ I have always thought in the back of my mind: Cheese and Onions
lantius
Posted: Thu Feb 28, 2008 4:40 pm
1337Joined: 22 Jul 2005Posts: 6705Location: right over
i like half-life, FULL LIFE CONSEQUENCES.
langston
Posted: Thu Feb 28, 2008 5:18 pm
Joined: 25 Jul 2005Posts: 5547Location: Columbia City
joby wrote:
Tip:
Whole life is for suckers.
indeed. usually 5x per month as expensive
chunts
Posted: Thu Feb 28, 2008 5:46 pm
Joined: 18 May 2007Posts: 85Location: Cappy
vaticdart wrote:
I feel for Bryce, his family and his friends. I shook hands with his father at the memorial ride. How would prosecuting the truck driver help anything? From the reports at the time, as I recall, he was in tears over what happened. If he was signaling, wasn't speeding or driving recklessly, then while he is at fault, I don't think any sort of actual charges, felony or otherwise, are in order.
Get the truck company's insurance for whatever is appropriate (how do you put a value on a life?), but leave the driver alone. I'm betting the driver is a just a dude who screwed up and will have to live with that for the rest of his life.
people make mistakes all the time and have to suffer the consequences for them. it's sad, yeah, but it's still the way things go. but maybe even more than that, we need to stop the idea that you can kill a cyclist, and people will be so busy fawning over how hard it must be for you to live with yourself now, that no one bothers to notice you have committed a crime. I don't think this is a felony, but at minimum this guy should have his license revoked for life.
I don't buy "it's really haaard to see bikes in a big truck" as a justification for killing someone. if there's a problem, it needs to be fixed asap. it doesn't excuse what happened, and continues to happen. I remember people going "he's probably going to lose his job over this" well yeah he should lose his job. if you can't keep from killing people while driving your truck, you should lose the privilige.
laura
Posted: Mon Mar 10, 2008 8:39 pm
Joined: 22 Jun 2007Posts: 1050Location: wherever the dance party is
But as recently demonstrated, it may not matter in this city if a pedestrian gets killed in a crosswalk while the driver is on a cellphone or if a cyclist (or two) get run over by a dump truck and one is killed.
Really, what in the hell?
Accountability? Anyone?
snyd3282
Posted: Mon Mar 10, 2008 10:38 pm
could suck the fun out of a blowjobJoined: 23 Jul 2007Posts: 588Location: Ballard / Fremont
By the way, the Bicycle Master Plan calls for a road diet on Nickerson.
...and there seems to be some disconnect between the county prosecuting attorney and the city prosecuting attorney about bicycle issues. I am not anywhere near informed enough about how that whole mess works (or dosen't).
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